Federal Visa Celesta Credit Card 2025

Save ₹1,20,000+ per year with zero forex + 14 lounges!

Card At a Glance

Complete Fees & Charges

Particulars	Details
Joining Fee	₹1,500 + GST
Annual Fee	₹1,500 + GST (waived on ₹5L spend)
Forex Markup	0%
Lounge Access	10 domestic + 4 international/year
Welcome Benefit	₹5,000 vouchers on ₹1.5L spend in 90 days

Detailed Reward Rates (2025)

• 0% forex markup on all international spends
• 5X points on travel, dining, international
• 3X points on weekend spends
• 1 point = ₹1 on vouchers & airmiles

Airport Lounge Access

• 10 domestic lounge visits (2 per quarter)
• 4 international lounge visits via Priority Pass
• Dreamfolks + Priority Pass network

Insurance & Protection Benefits

• ₹1 Crore air accident cover
• ₹55 Lakh travel insurance
• Golf privileges (4 rounds/year)
• Concierge service

Pros & Cons (Real User View)

Pros	Cons
True 0% forex markup	₹1,500 + GST fee
14 total lounge visits	Only 4 international lounges
₹5,000 welcome vouchers	High spend for fee waiver
Golf + concierge

Eligibility Criteria & Documents Required

• Age: 21–60 years
• Minimum Annual Income: ₹12 Lakh
• Credit Score: 750+ preferred
• Documents: PAN, Aadhaar, Salary Slip / ITR

How to Apply Online (3-Minute Process)

1. Visit Federal Bank website
2. Select Visa Celesta → Apply Now
3. Fill details & Video KYC
4. Instant approval possible
5. Card + ₹5K vouchers in 10 days

Final Verdict – Should You Get It in 2025?

India ka No.1 zero forex card! 0% markup + 14 lounges + ₹5,000 welcome = ₹1.2 Lakh+ value/year. Must-have if you travel or shop abroad regularly!

Frequently Asked Questions (FAQs)